Investor Presentaiton

Dollarisation down, low NPLs Loan and deposit dollarisation Non-performing bank loans to total gross loans (2019-2020 average) Bank loan dollarisation Bank deposit dollarisation Lithuania 1.0% 75% 75% Czech Rep. 1.8% Estonia 1.8% 70% 70% Georgia 2.1% 65% 65% Hungary 2.7% Poland 3.7% 60% 60% Romania 4.0% Latvia 4.0% 57.9% 55% 55% Turkey 4.5% Belarus 4.7% 50% 50% Armenia 6.0% 48.4% Bulgaria 6.2% 45% 45% Bosnia & Herz. 6.8% Croatia 7.1% 40% 40% Feb-14 Jun-14 Oct-14 Feb-15 Jun-15 Oct-15 Feb-16 Jun-16 Oct-16 Feb-17 Jun-17 Oct-17 Feb-18 Jun-18 Oct-18 Feb-19 Jun-19 Oct-19 Feb-20 Jun-20 Oct-20 Feb-21 Jun-21 Oct-21 Feb-22 Jun-22 Moldova Russia 7.9% 8.5% Source: NBG. Source: IMF. 49

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